HomeOwners Insurance is typically coverage reserved for your primary residence that is titled in your personal name. If the property that will be covered is a vacation home or secondary property that you do not use as a primary residence other property insurance may be necessary. A fire dwelling policy is a different type of HomeOwners insurance policy that landlords use for rental properties that they own. Vacation homes may qualify for a secondary residence HomeOwners insurance policy usually the insurance carrier in order to extend this coverage will need to also insure the primary residence. If your home is going through major renovations that may occur over the course of several months a Builder’s risk policy may be required instead of a traditional HomeOwners policy.